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Harapan 2 Group
In this Group: Yusriati, Ruminta, Derpiani, Romas, Siti, Rio
Yusriati (wearing the red patterned scarf) is pictured above with her fellow group members. She has been running a general store since 2009 from her house. Business has been going smoothly and the income has allowed her to help make a better life for her family. She is 51 years old and her four children are already grown up, with a couple already having married.

She is now taking her first loan with VisionFund Indonesia to help restock her store by buying things such as rice, sugar, oil and eggs. In the future she would like to run the general store from an actual shop rather than from inside her home. She hopes that she can eventually earn enough income and have savings to renovate her home.

Other group members will use their loans to help their businesses which include selling fish and selling snacks.

Additional Information

About VisionFund Indonesia

VisionFund Indonesia is a Christian micro venture capital organization owned by Mitra Masyarakat Sejahtera (MMS) and Wahana Visi Indonesia. Founded in 2000, VFI operates in both Jakarta and Surabaya, the two biggest cities in Indonesia. VFI targets the entrepreneurial poor who have existing microbusinesses for at least 6 months and have no financial access to commercial banks. VFI also provides microinsurance for all clients through a partnership with Allianz insurance company. With nine branches as of 2011, VFI hopes to expand in order to reach underserved microfinance markets in other islands of Indonesia.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Indonesia

  • $5,200
    Average annual income
  • 61
    View loans »
    Indonesia Loans Fundraising
  • $6,275,400
    Funds lent in using Kiva
  • 9,020.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Harapan 2 Group's $625 loan helped a member to pay for items such as rice, sugar, oil and eggs to restock her general store.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Nov 11, 2011
Dec 1, 2011
Currency Exchange Loss:
May 15, 2012